Patent attributes
In some embodiments, a method for binding a user's information to a user's account with a payment service provider includes receiving a request to pay for a transaction using the user's account with the payment service provider. The request to pay specifies a funding instrument. Additionally, the payment service provider is a source of the funding instrument, and the transaction is between the user and a merchant application. The method also includes generating a common identifier (ID) corresponding to the funding instrument, and generating a payment token corresponding to the common ID and the funding instrument. The common ID is a non-transactable token associated with the merchant application and the user, and the payment token is a non-transactable token that corresponds to the common ID. The method further includes binding the user's payment service provider account to the payment token and the common ID.
